Many people, with good counseling, can find alternatives to bankruptcy.

If creditors handle this appropriately, there could be more people helped with debt management programs - but they will need that break on principal,

We expect that many of these people will be in very deep trouble by the time they come to us,

These types of properties are hot. Because of this strong market interest, it's an excellent time for Burger King.

They're like loan sharks, but they don't break legs.

Developing a budget is one of the most powerful tools. One woman, earning a fairly decent salary, was left with almost nothing at the end of every week. When she checked her expenses, she found she was spending $600 a month on clothing. Most people, in fact, don't know where their money is going.